LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,745
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,421
−HK$687/mo
Today · 4.125%
HK$23,108
baseline
▲ 0.50% · 4.625%
HK$24,514
+HK$1,406/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,216/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,191
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,839
−HK$658/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,344/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$323,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,093
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,905
−HK$825/mo
Today · 4.125%
HK$27,730
baseline
▲ 0.50% · 4.625%
HK$29,417
+HK$1,687/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,460/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,029
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,807
−HK$790/mo
Today · 4.125%
HK$30,597
baseline
▲ 0.50% · 4.625%
HK$32,210
+HK$1,613/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,194/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$323,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,442
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,389
−HK$962/mo
Today · 4.125%
HK$32,351
baseline
▲ 0.50% · 4.625%
HK$34,320
+HK$1,969/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,702/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,867
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,775
−HK$921/mo
Today · 4.125%
HK$35,696
baseline
▲ 0.50% · 4.625%
HK$37,578
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,392/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$323,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,140
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,358
−HK$1,237/mo
Today · 4.125%
HK$41,595
baseline
▲ 0.50% · 4.625%
HK$44,125
+HK$2,530/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$83,190/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,543
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,711
−HK$1,184/mo
Today · 4.125%
HK$45,895
baseline
▲ 0.50% · 4.625%
HK$48,315
+HK$2,420/mo
Deposit HK$954K · loan HK$8.58M · min. income ≈ HK$91,790/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$323,600 · Scale 2, in force from 26 Feb 2026)